Columbia Collection

Revdex.com ComplaintComplainant: ** *** Columbia Account # ***Revdex.com Case # ***--Thank you for bringing this matter to my attentionThe debts in question were assigned to our office on08/31/2009, 12/06/11, and 09/06/Our office filed suit case # *** for two dates ofserviceThis case, and
the associated debts were satisfied on 08/28/2012,through garnishmentOnce the payment had been processed, 08/30/2015, ouroffice mailed a letter to the court informing them of the case satisfactionAcopy was mailed to the complainant at the same timeOur office has reportedthis debt as satisfied to the credit reporting agencies as recent as03/12/However, the satisfaction was reported to the credit reportingagencies within two weeks of satisfactionA validation letter was sent to Ms*** on 09/10/Ouroffice received a dispute from Ms*** on 09/18/In response to thedispute our office requested validation of the debt from our clientThisvalidation was sent to the complainant on 10/16/once our office hadreceived that information from our clientOur office was able to verify thedebt and as such this debt was considered validOn 11/12/our office received notification that Ms.*** had filed bankruptcyAt that time our database was updated to reflectthe notificationAll debts outstanding in our office at the time of bankruptcyfiling, were reported as included in the bankruptcyThis occurred as recent as05/18/and 02/23/2015; however, the debts included in the bankruptcy werereported to the credit reporting agencies within two weeks of our office’snotification of Ms*** bankruptcy filingAll debt inour office is eligible for credit reporting days after our office has beenassigned the debtOur office furnishes information to the credit reportingagencies every two weeks. Columbia doesnot delete or remove debt from credit reports in exchange for satisfaction ofthe debt for reasons enumerated belowOur agreements with the credit reportingagencies and the Fair Credit Reporting Act requires that only information knownto be accurate is furnished to credit reporting agenciesDeleting verifieddebt once said debt is paid would be reporting information known to Columbia tobe and would constitute falsifying consumer credit reportsIn thisinstance our office has reported the satisfaction of all debts included in thesuitAdditionally, all debts included in the bankruptcy have beenreported as covered under MsRamos’s bankruptcyAt this time it is theresponsibility of the credit reporting agencies to report the informationcorrectly. Our office will respond to all complaints directed to ourofficeAny complaints regarding the credit reporting agencies listing ofinformation will not be addressed in this responseAt this time the debts included in the have beenreported as satisfied and all remaining debts, which were covered under Ms.*** bankruptcy, have been reported correctly

Revdex.com ComplaintComplainant: ** ***Columbia Account # ***Revdex.com Case # ***--Thank you for bringing this matter to my attentionThe debt in question was assigned to our office on 03/15/At thattime, 03/16/11, a validation letter was sent to Ms*** providing thecomplainant with notification
that the debt was in our office and anopportunity to request validation of the debtOur office has not receivednotice that this written communication was mail returned or otherwiseundeliveredA Representative from our office called Ms*** on 04/18/Duringthis call, Ms*** informed our office that she was unable to make paymentsOn 04/25/and 06/22/our office sent Ms*** balance lettersfor the debt in questionAdditionally, between 04/26/and 8/18/2011, ouroffice attempted to communicate with Ms*** telephonically but were unable toconnect with the complainantWhen our office was unable to arrange a paymentplan or receive satisfaction of the debt from Ms***, our office sent thecomplainant a letter informing her of our office’s intent to initiate legalaction and providing Ms*** with an opportunity to satisfy the debt prior tothis action; this occurred on 08/23/Satisfaction of the debt was notreceived by our office and as such a small claims case was filed against Ms.*** on 09/28/On 10/05/11, Ms*** called our office and spoke with aRepresentative from our officeMs*** was requesting to settle the debt andour Representative informed Ms*** that payment in full was necessary tosatisfy the debtAdditionally, our Representative offered to accept a paymentplanOur Representative confirmed that the debt would not be removed from Ms.***’s creditOn 10/14/our office received a payment, which satisfied the debt.On 10/17/2011, Ms*** called to confirm that payment in full was received.Our Representative confirmed that payment in full had been receivedMs***asked if her credit report would be changed due to the payment in fullOur Representativeinformed Ms*** that the debt would be reported as paid in fullAt no timedid our office inform Ms*** that the debt would be deleted from her creditreportThe debt in question was reported as paid on 10/24/ Additionally, this debt has been reported aspaid in full as recently as 11/03/Upon receipt of this compliant, the Compliance Department completed athorough review of telephonic recordings, company notes, and correspondencesrelated to Ms***’s account.Our officeis committed to ethical and compliant collection activityAs such, the initialof legal action is restricted to instances when our office has attempted toreceive satisfaction of the debt or payment plan voluntarilyIn this instance,our office sent Ms*** multiple letters regarding the debt, attempted tocommunicate telephonically with Ms*** regarding the debt, and spoke with Ms.*** who did not accept a payment arrangementWhen neither satisfaction of thedebt nor a payment plan was established, our office sent Ms*** a letterinforming her of our office’s intent to initiate legal action and providing Ms.*** an opportunity to satisfy the debt in full prior to this actionWhen ouroffice received no contact from Ms*** legal action was initiatedIn alldebt in our office is eligible for credit reporting days after our officehas been assigned the debtCredit reporting occurs every two weeks andincludes all debt eligible for credit reporting at that timeColumbia does notdelete or remove debt from credit reports in exchange for satisfaction of thedebt for reasons enumerated belowOur agreements with the credit reportingagencies and the Fair Credit Reporting Act requires that only information knownto be accurate is furnished to credit reporting agenciesDeleting verifieddebt once said debt is paid would be reporting information known to Columbia tobe and would constitute falsifying consumer credit reportsColumbia iscommitted to compliant collections and as such our office only charges interestand fees that are permitted by lawAccounts in our office accrue interest atthe statutory amount of 9% per annumInterest accrual begins from the date ofserviceOur office includes costs and disbursements, such as filing andservice fees, to consumers’ accountsIn inclusion of costs and disbursementsto consumers’ accounts is permitted by lawIn this instance, the reasonablecosts and disbursements included in Ms***’s accountSuch costs anddisbursements were filing fees, charged by the state to file the small claimscase, and the service fee, for our process server to service the small claimsdocuments to Ms***At thistime the debt has been satisfied and our office has reported the debt as suchto the credit reporting agencies

Revdex.com ComplaintComplainant: ** ***Columbia Account # ***Revdex.com Case # ***--Thank you for bringing this matter to my attentionThe debts in question were assigned to our office on June 7th,and March 16th, As the debts were assigned, our officemailed validation notices to Ms
***Our office continued our attempts tocommunicate with Ms*** using written and telephonic communicationbetween July 13th, and April 22nd, When our office received no response or payments from Ms.*** our office filed a small claims suit in Multnomah County on May 30th,On September 27th, our office was granted a caseextension after our office sent a motion to the courtsMs*** was personallyserved with the small claim paperwork on October 7th, Ouroffice was granted judgment on November 6th, After our office received judgment a garnishment wascompleted for the complainant’s believed place of employment on November 16th,On January 9th, our office received notification that theconsumer was not employed at that businessOn February 27th, our office exercised ourright to enforce the court’s judgment by requesting a bank garnishment for fourbanksOur office, on March 27th, 2013, received notification thatnone of the four banks remitted funds nor did Ms*** have accounts with thebanksOur office sent the complainant a letter reminding Ms.*** of the judgment and providing Ms*** an opportunity to make avoluntary payment arrangement on the accountHowever, our office receivednotification that this letter was mail returnedOn May 9th, our office ran Ms***’scredit report and received notification of a possible bank lead and a newaddress, on *** *** A bank garnishment was completed on May 20th,for the new bank leadOur office received a call from Ms*** on May 30th,During this call Ms*** informed our office that her bank washolding over $in federal financial aid with the intent of forwarding thatamount to our officeOur Representative spoke with Ms*** and informedMs*** that our office would not be releasing any fundsHowever, theRepresentative offered to set up a payment plan for the remaining balance toavoid any future garnishmentsSince Ms***’s income came from federalfinancial aid our office requested bank statements and her financial aid letteras proof of Ms***’s financial situation prior to agreeing to a paymentarrangementMs*** agreed to provide such documentation and was providedwith our email address for the delivery of the documentationOur Representativedid advise Ms*** paying the debt off with student loans would be the mostbeneficial outcome for Ms*** based on our office’s interest rate andthat of the student loansOur office received a bank garnishment payment of $onJune 11th, However, our office never received the requesteddocumentation, including bank statements and financial aid award letter, fromMs***A Representative from our office reviewed the account again onSeptember 9th, and noted that the requested documentation wasnot received by our officeAdditionally, no garnishment challenge paperworkwas received by the courtsAt that time another letter reminding Ms***of the judgment and providing Ms*** an opportunity to make a voluntarypayment arrangement on the account was sent to Ms***’s confirmedaddressWhen our office received no response from the complainant a secondbank garnishment was completed and served on September 17th, On September 12th, Ms*** left amessage with our office’s attorney informing our office that garnishing herfederal financial aid was illegal, she was going to challenge the garnishment,and she was unable to send the garnishment challenge paperwork because ouroffice had not responded to her previous callsA Representative from ouroffice reviewed the account on September 18th, Based on thefact that Ms*** never provided our office with the requesteddocumentation and that our office is not obligated to instruct consumers on howto file a garnishment challenge the Representative did not call Ms***back. Ms*** called our office on September 30th,and informed our Representative that she had faxed proof of the garnishedfunds exempt status to our attorney but had not received a responseOurRepresentative informed the complainant that our office had no intention ofreturning any funds garnished since the bank remitted the funds and our officehad not received any proof that the funds were exemptOur Representative didinform the complainant that any garnishment challenge paperwork must be sent tothe courts, not our officeMs*** then asked why our attorney has notcalled her back and our Representative informed Ms*** that our attorneywould not be calling her backAfter a period of inactivity wherein we did not receivedocumentation that the garnished funds were exempt, a bank garnishment wascompleted for Ms***’s bank on February 19th, No fundswere remittedOn April 15th, our office received avoicemail message from the complainant informing our office that bankruptcy wasfiled and providing our office with her attorney’s contact informationAt thattime our office ceased all collection activity in accordance with thebankruptcy codeBanks perform reviews of garnished accounts to ensure thatno exempt funds are forwardedHowever, our office is aware that exempt fundsmay be forwarded to our office regardlessDue to this possibility our officetakes notifications of exemption seriouslyUpon notification that funds may beexempt it is Columbia’s policy to verify that remitted funds are exempt, usingbank statements or other financial documentation, and to return any protectedfunds to the bankIn this instance our office never received documentationfrom the complainant demonstrating that the garnished funds were exemptAdditionally, Ms*** was instructed to provide ouroffice with bank statements, for the purposes of negotiating a paymentarrangementAt that time Ms*** was given our office’s email address fordelivery of this informationAs of this date, our office still has notreceived any documentation verifying that the garnished funds were in factexemptOur attorney, whom Ms*** states was provided with thisdocumentation, has not forwarded any documentation to our office nor receivedsuch informationIf Ms*** were to provide our office with documentationverifying the exempt status of any remitted our funds our office would reviewsuch documentation and return any funds that were exemptDocumentation can be deliveredto our office attention “Account Number ***” via fax (***) email (***@columbiacsi.com) or mail (PO Box ***, Portland, OR 97230).Our office returned all calls made to our office from Ms.***However, Ms*** called our attorney’s office on multipleoccasions to inquire on the garnishment challenge processIn these instancethe messages were forwarded to our office and reviewed by our Representative.It was determined that a call back was not necessary due to our officepreviously requesting documentation, which was never received, and because thegarnishment paperwork provides Ms*** with instructions on how tochallenge the garnishment with the court.Our Representative did suggest that the complainant that payher debt with student loansThis advice was based on the interest rate chargedby our office, the statutory 9% per annum, compared with the interest rate forher loansThis advice was the result of our Representative brainstorming withthe complainant in an attempt to find a unique and beneficial resolution basedon the Ms***’s financial situationOur office was awarded judgment in November of Ouroffice has accrued fees chargeable to Ms***’s account when the case wasfiled and when the judgment was entered Garnishments were issued to enforce thejudgment entered by the court in Multnomah County when Ms*** failed tosatisfy the judgment; these fees were added to Ms***’s accountAll feesincurred by our office were legally added to Ms*** accountMs.*** was given ample time to pay the debt or negotiate a paymentarrangement prior to the issuance of garnishmentAdditionally, a statutoryinterest rate is applied to Ms***’s accountThese factors account forthe higher balanceAt this time Ms*** has filed for bankruptcy and ouroffice has ceased all collection activityIn regards to the remitted funds, ifMs*** provides our office with documentation verifying the funds wereexempt our office will review such documentation and return all protectedfundsOur office takes the exemption seriously and wants to work with Ms.*** to find a solution

Complaint: ***I am rejecting this response because: The matter has not been resolvedI have also, sent the email communication I have from the original CPA office stating that this debt (invoice) was not sent to Columbia until June I did not receive any communication from Columbia until Agust Which I responded immediately upon receiving this invoiceI was threatened immediately with court within in the first few seconds of speaking to the Columbia employee after trying to explain that this amount was not accurate and asked if they had received any kind of summary of charges or other documentsI was told no and that proceedings were going to begin adjacent us since we refused to pay and had not responded to any of the communicationI quickly stopped this representative from her non sense explaining that I had received nothing until this one letter/ invoice and that I was willing to make a payment toward the account while I circled back to the CPA to figure out what was going onHowever, I became uncomfortable with the actions of this persons during our conversation so I decided I was not going to make a payment during that call but rather call back once I had a summary of these charges as I had disputed them once before with the CPAI later found out this same person lied during this call claiming they had been sending us notices for several monthsWhich according to the CPA that is not true as they did not send this debt until JuneWhich would mean that I was still within the day period to resolve the debt before reporting beganHowever, this was not disclosed to me and rather I was lied to and misleadWe want this deleted from our credit file and we will resolve the debtI have also, sought an attorney as Oregon is not a community stateAnd this debt was reported on my husbands credit under the same scrupulous behaviorThe amount that the CPA claims was sent and the amount Columbia claims is also, differentWe want that resolved. Sincerely,*** ***

Complaint: ***I am rejecting this response because:I am making payments on this account for the possibility of this actually being my accountI'm simply saying I want validation of this accountI am requesting validation of this debtI don't know the laws, just simply would like a piece of mind knowing that I am actually paying a debt that is truly mineI do not have any knowledge of this account but in the same turn I will continue to make payments unless this account is proven not to be mineThere was a mix up between my wife's credit and mineNames mixed up ectSomeone had opened a capital one card in my name as wellI proved that not mineI need to be sure I'm not a victim of fraud Sincerely,*** ***

Revdex.com Complaint Complainant: *** *** Columbia Account # *** Revdex.com Case Number *** -- Thank you for bringing this matter to our attention. As of 5/16/we have made contact with the complainant and have a plan for proceeding with a resolution, therefore we consider this complaint
resolved

Revdex.com ComplaintComplainant: ** ***Columbia Account # ***Revdex.com Case # ***--Columbia appreciates Ms*** responding to our office’scomplaint responseOur office is dedicated to providing consumers with notificationof the debtAs such it is our office’s internal policy that consumers benotified of debtIn this instance our office sent Ms*** two validationletters, one for each debt assigned to our officeThese written communicationsnot only notified Ms*** of the debt but provided her an opportunity torequest validation of the debtValidation notices were addressed to both thecomplainant and Mr***As previously stated our office has no cause tobelieve that the mail was returned or otherwise not receivedBetween 01/28/2014and 7/22/our office attempted to contact Ms*** and Mr*** multipletimesHowever, our office was unable to make contact with either consumer.Additionally, a Representative left Ms*** a voicemail on 03/24/Columbia is committed tocompliant collection activityAs such our Representatives are only permittedto engage in collection activity when an individual is liable for thedebt. Columbia’s internal policies andprocedures prescribe that only individuals liable have debt informationfurnished to credit reporting agenciesAs stated in our previouscomplaint response Ms*** is liable for the debt under Oregon statute;specifically the Oregon Revised Statutes (ORS)Medical debt is considered afamily expense as it is beneficiary to a member of the familyUnder Oregonstatute Ms*** is liable for such debt meaning that Columbia’s collectionactivity, including credit reporting, is legalThe specific ORS that cause Ms.*** to be liable for the debt are enumerated belowORS 108.040(1)(a) dictates that “the expenses of the family andthe education of minor children are chargeable upon the property of bothhusband and wife, or either of them, and in relation thereto they may be suedjointly or separately .” ORS 108.040(1)(b)(A)defines family expenses as “expenses incurred for the benefit of a member ofthe family.” ORS 108.040(1)(b)(B)defines the family as “the husband, wife, and the minor children of the husbandand wife.”At this time the debtremains outstanding and our office intends to continue with collectionactivity

Revdex.com ComplaintComplainant: ** ***Columbia Account # ***Revdex.com Case # ***--Thank you for bringing this matter to my attentionThis debt was assigned to our office 08/30/On08/31/2010, our office sent a validation letter to Mr*** informing him ofthe debt and that he had days to
request validation of the debtOur officereceived no notice that this validation letter was mail returned or any otherreason to believe the validation letter was not received by Mr***, nor didwe receive any request for validation by Mr***Between 10/12/and 03/07/our office attempted tocommunicate telephonically with Mr*** multiple timesAdditionally, ouroffice sent Mr*** multiple balance letters informing the complainant of thedebtOn 03/15/and 04/19/our office spoke with Mr***concerning this debtHowever, in both instances the complainant was unable to participatein a discussionMr*** informed our Representative that he would be callingour office backAt that point, the account was put on holdOn 10/20/Mr*** called our office requesting tosatisfy the debt Our Representative andMr*** were unable to negotiate a method for satisfying the debtAt thattime Mr*** then informed our Representative that he was disputing the debt.A Representative from our office spoke with Mr*** again on10/30/During this conversation the complainant stated that he wanted tosettle the account and not pay the interest balanceOur Representativeinformed the complainant that such an offer was not being offeredAt that timethe consumer terminated the callOur office next spoke to Mr*** on 11/12/Duringthis conversation our Representative informed Mr*** that our office couldset up a payment arrangement to resolve the debtAt that time Mr*** saidthat he would only pay a settlement amount if the debt was removed from hiscredit reportOur Representative informed Mr*** that our office is unableto delete debt from consumer credit reports, as we must report correct andaccurate informationOn 12/9/and 12/26/our Representative contactedMr***, who was unable to speak at those timesOur office received a request for validation of the debt on 12/12/2014,which was outside of the validation periodBecause it was outside of thevalidation period, we had no duty or obligation to validate the debt at thattimeOn 02/16/a Columbia supervisor spoke with Mr***,who acknowledged that he owed the debtMr*** said that he wanted to settlethe debt in exchange for the debt being deleted from his credit reportAt thattime the supervisor informed Mr*** that our office does not delete debtfrom credit reports when said debt is paid; instead the debt would reflect as“paid in full”Mr*** asked to speak with a supervisorSince therepresentative was the supervisor of the applicable department there was nohigher supervisor that Mr*** could speak with; our Representative informedMr*** as suchThe supervisor explained why our office is required toreport debt accurately to credit reporting agencies and this means thatsatisfied debt is reported as paid and not deletedDuring this conversationour office updated Mr*** contact informationOur office provided Mr*** with a validation letter on08/31/2010, which allows Mr*** to request validation of the debt within thevalidation period, which consists of the days after the letter is received.If a request for validation is not received within said days the debt isconsidered valid to our office and Columbia is not required to providevalidation of the debtSince Mr*** requested validation of the debtoutside of the validation period (on 12/12/2014) our office did not provide thecomplainant with validationAlthough our office is not mandated to provide Mr***with validation of the debt our office will be sending Mr*** thisdocumentation as a courtesy once this response is completedValidation will besent to the address Mr*** confirmed with our office, which matches theaddress provided in this complaintMr*** spoke with the highest supervisor who receivesphone calls on 02/26/Additionally, the supervisor explained our policiesand offered to work with Mr*** in satisfying the debt through a paymentplan. Columbia does not delete or remove debt from credit reportsin exchange for satisfaction of the debt for reasons enumerated belowOuragreements with the credit reporting agencies and the Fair Credit Reporting Actrequires that only information known to be accurate is furnished to creditreporting agenciesDeleting verified debt once said debt is paid would bereporting information known to Columbia to be and would constitutefalsifying consumer credit reportsAdditionally, our office is responsiblewith reporting debt in a nondiscriminatory manner and as such our office doesnot delete debt from credit reports in exchange for payment At this time the debt remains outstanding and our officeintends with continuing with legal collection methodsAdditionally, our officewill being providing Mr*** with validation of the debt

Revdex.com Complaint
Complainant: *** * ***
Columbia Account: ***
Revdex.com ID #***
Thank you for bringing this matter to our attention
Upon receipt of this complaint, Columbia Collection’s Compliance Department has completed a thorough review of all correspondence and issues
concerning Ms***. The debts in question were assigned to our office on 03-18-
Upon receipt of all debts assigned to Columbia Collection a validation letter is immediately sent out to the consumer named on the debt
On 03-27-the validation letter in regards to the debts in question were issued out via US Postal MailThese two validation letters were issued out to the home address on file at *** ** *** *** *** *** **. Neither Validation letter was returned as undeliverable
On 05-25-Columbia Collection received Ms*** correspondence, via fax, which disputed the debt(s) and requested copies of the original statementsColumbia Collection verified the validity of the debts and in addition forwarded copies of itemized statements of said debts to show services rendered to Ms*** on 05-27-2016.
Columbia Collection is committed to following all State and Federal collection laws
Regarding Ms***’s concern of not being licensed/bonded in the state of Texas for collections, we have attached a copy of a Texas Secretary of State Collection Agency Search conducted as of the date of this letter, showing Columbia Collection is active
Columbia Collection is dedicated to reporting disputed debts as suchAt the time of assignment, debt in our office was eligible for credit reporting days after our office had been assigned the debtCredit reporting occurs approximately every week and includes all debt eligible for credit reporting at that timeBoth debts are currently being reported as disputed and have been since 08-11-due to a previous dispute from a separate responsible party
Columbia Collection in no way admits to any wrong doing but can understand and appreciate a consumer’s frustration when understanding the ins and outs of credit reporting. In lieu of this Columbia Collection has issued deletion instructions to all three credit reporting agencies to which we furnish data to: Equifax, Transunion and ExperianThe debts remain open and due in full
We’ve attempted to reach out directly to Ms***, but have been unable to reach herIf Ms*** would like to discuss this matter further as well as the resolution of these debts, we welcome her call. She may reach our Collection Manager, Michelle G***, at 503-594-or 800-807-

Revdex.com Complaint
Complainant:** ***
Columbia Account #***
Revdex.com Case #***
Thank you for bringing this matter to my attentionUpon receipt of this complaint, the Compliance Department completed a thorough review of all telephonic recordings and company notes, related to Ms***’s
account.
The debts in question were assigned to our office on 10/28/On 11/03/2015, a validation letter was sent to Ms***, providing the complainant with notification that the debt was in our office and an opportunity to request validation of the debt
On 12/07/a Representative with our office left a voicemail for the complainant
On 12/13/2015, a letter was sent to Ms***, providing the complainant the balance of the debt and an opportunity to make paymentsOur office has not received notice that any written communication from our office was mail returned or otherwise undelivered
Payments were made on 11/14/2015, for $14.00, and 12/14/2015, for $These payments were not in connection to any payment plan with our officeAs such, on 12/31/2015, a Representative of our office called Ms*** to negotiate a payment planMs*** agreed to satisfy the debt through payments on the 15th of each month, in the amount of $The representative agreed to send payment reminder letters to Ms***Payments, as part of the payment arrangement, were made on 01/15/and 02/14/
On 02/22/2016, a Representative called Mr*** to discuss details on the accountMr*** advised the Representative to call Ms*** for account details and paymentsThat same day, 02/22/2016, Ms*** called in and spoke the RepresentativeMs*** expressed frustration with the frequent communication that Columbia was having with her and her husbandMs*** agreed to increase her payment arrangement to $per month
In response to this complaint, the Collections Manager reached out to Ms*** to let her know that our office values her as a consumer and that our office does not want her to feel harassedThe Supervisor moved the account out of the Representative’s unit to a Supervisor unit to ensure that Ms*** would not receive unnecessary callsAdditionally, the Manager reinstated the $monthly payment arrangement, decreasing the $monthly amount that the Representative set up on 02/22/
Call Frequency
Columbia is committed to engaging in collection activity that is not harassing, in any mannerAs such, Representatives with our office are prohibited from calling consumers in excess; this includes calling consumers, in most cases, more than once a week or at any frequency that the consumer has informed us is, in their opinion, excessiveOur office is committed to honoring all communication requests by consumers, when applicableOur Representatives are prohibited from calling consumers who are set up on a payment arrangements, when all payments have been made by the due date and there is no indication that the arrangement should be renegotiated
In this instance, our office sent Ms*** four letters, including a validation letter, and called either Msor Mr*** three times prior to this complaint, 12/07/2015, 12/31/2015, and 02/22/The call on 02/22/occurred eight days after the payment arrangement payment was made on 02/14/Within this call, the Representative was under the impression that Ms*** was set up on a temporary hardship payment arrangement that is renegotiated after a set number of monthsAs such, the Representative requested that the payment arrangement increase to $a monthThe representation of the account did not match the facts or notes on the account since the payment arrangement negotiated on 12/31/was not a temporary payment plan that should have been renegotiatedIt is the determination of the Compliance Department and the Collections Manager that the Representative misread or misinterpreted the notes and this resulted in not only the requested increase in payment amount, but the call itselfThe Representative will be coached to ensure that they review accounts correctly prior to initiating communication; this will ensure that the Representative is only calling consumers in approved circumstances and that the information presented to consumers is accurate.
Assignment
Our office will be responding to all inquiries directed to our officeAny inquires directed to the original creditor will not be responded to by our officeThe balance was not resolved in a timely manner, in the view of the original creditor, and thus the balance was lawfully assigned with our office
Working with Consumer
Our office is dedicated to working with consumers to resolve the balances in our officeAs such, our Representatives work to negotiate payment arrangements and hardship payment arrangements with consumers in a manner that ensures that payment arrangements take into account the financial needs of the consumer
In this instance, Ms*** made a $payment prior to the negotiation of a payment arrangementIn response our Representative called the consumer and set up a payment arrangement for an amount that worked with the consumer’s financial situation and the amount of the previous payment, $On 02/22/2016, our Representative did request that the payment arrangement be increased to $a monthThis request was the result of a misinterpretation of Ms***’s account
At this time, Ms***’s payment arrangement has been re-established at $a month and her account has been moved into a supervisor unit to ensure no unnecessary calls are madeAny questions and concerns about this arrangement can be made with the Collections Manager, Michelle G***, at (503) 594-

Revdex.com Complaint Complainant: FColumbia Account #***Revdex.com Case # *** Thank you for bringing this matter to my attentionUpon receipt of this complaint, the Compliance Department completed a thorough review of all telephonic recordings and company notes, related to Ms***’ account.The debt in question was assigned to our office on 3/31/After the debt was assigned, our office mailed a validation letter to Ms*** on 3/31/2015; providing her notice of the debt and the opportunity to request validation of the debtOur office also attempted to contact Ms*** through written communication regarding this debt on the dates of 5/10/2015, 8/04/2015, and 11/02/On 8/19/2015, Ms*** called into our office and spoke with the Account Representative about the details of the debt that had been assigned to our officeMs*** disputed the amount that was in our office, stating she believed that the balance should only be around $Ms*** agreed to a partial payment arrangement proposed by the Representative, which was based on her financial situationOn 9/1/2015, Ms*** called our office for assistance with making a payment online, and stated she was waiting for a breakdown of the balance from the original client, but would continue to make payments in the meantimeOn 11/02/2015, Ms*** called into our office stating that this debt was appearing on her husband’s credit reportMs*** claimed that this debt was only for her own business, and that her husband should not be associated with the debtShe also questioned the date that our office received the debt, and the Representative confirmed that the debt was assigned to our office on 3/31/Ms*** claimed that the original client stated they assigned the debt to our office in June Immediately following the phone call on 11/02/2015, our office sent another balance letter to a new Washington state address that Ms*** confirmedOn 11/13/2015, our office and Ms*** negotiated a mutually beneficial settlement agreement, the terms of which include a settlement payment from Ms***, as well as an agreement that our office would issue credit deletion instructions to all applicable credit reporting agenciesOn that day both terms of the agreement were upheld.Columbia is dedicated to providing consumers with clear, concise and accurate information at all times, which includes the possibility of our office pursuing legal collection activityOur office is willing to work with consumers to arrange reasonable payment plans prior to the commencement of legal actionOur office reached a payment arrangement with Ms*** on 08/19/2015, based on her financial situationAt that time our office relinquished an impending small claims suit prior to submission to the court, to allow Ms*** to satisfy the debt outside of litigation.Columbia is committed to providing consumers with notification of their debt and providing consumers an opportunity to resolve validation issues as well as satisfy the debtAs such our office sends consumer validation letters, which informs consumers that the debt was in our office and provides them with an opportunity to dispute the debtAdditionally, balance letters and telephonic communications occur throughout the collections processOur office is committed to providing verification of the debt when requested by consumers regardless of the validation periodAs such, when consumers request validation of the debt outside the validation period, our office will provide such documentation to consumers regardless of our office having no legal mandate to do soIn this instance, upon receipt of Ms***’ complaint, our office arranged for such documentation to be mailed immediately to Ms***This documentation includes an invoice that was issued to Ms*** by our client on 06/30/2014, and shows that another invoice was provided to Ms*** by our client on 10/26/2015, at Ms***’ requestThe invoice indicates that Ms*** was charged for hours of service by our client, that the hourly rate for such service was $195.00, and that Ms*** was provided a 30% discount.All debt in our office is eligible for credit reporting days after our office has been assigned the debtCredit reporting occurs every two weeks and includes all debt eligible for credit reporting at that timeAs part of our settlement agreement with Ms***, deletions will be issued for both Mrand Ms***.Upon investigation of this complaint, our office was able to discuss the matter with Ms*** and reach a mutually satisfactory agreementAt this time, the debt has been satisfied, and our office has issued deletion instructions to the credit bureaus for both Ms*** and her husbandOur office is attempting to contact Ms*** to obtain signatures on the finalized agreement

I have had to request a copy of the judgement being set aside by The Washington county judge. In the response from Columbia collections they acknowledge the judgement was set aside against me. I have to wait until Monday to provide a copy of my credit report where I found the judgement stating satisfied, which by admission of Columbia collections was set aside, in addition the item reported on my credit report in 2014 was never provided to me, even when in 2015 my wife and I sat with them face to face did they advise me of this new debt. They filed a new judgement against my wife and she also satisfied that judgement that was never in my name I want that removed from my credit report also.

Revdex.com Complaint Complainant: [redacted] Columbia Account #: Unknown Revdex.com Case # [redacted] Thank you for bringing this matter to our attention. Upon receipt of any complaint our office conducts a thorough investigation into the account notes, correspondences, and telephonic recordings regarding the...

account in question. Unfortunately, our office was unable to locate [redacted] account. The Compliance Department used many methods in an attempt to locate the complainant’s account. Our office searched using information provided by [redacted], however, we were unsuccessful in locating an accounts in our office with the information provided. It is possible that this complaint was directed to the incorrect agency. At this time our office is requesting that this compliant be forwarded to the appropriate agency. If [redacted] is confident that our office is the complainee then additional information, such as account number or social security number, would be necessary to locate an account and conduct a detailed investigation.

Revdex.com Complaint Complainant: [redacted] Columbia Account # [redacted] Revdex.com Case Number [redacted] -- Thank you for bringing this matter to our attention.  Columbia Collection Service is dedicated to pursuing collections in compliance with all applicable laws.  Your complaint has been logged...

in our Complaint Management System (CMS) and we have conducted a thorough investigation into your concerns. The CMS is an integral part of our compliance program which is designed to detect and correct systemic issues. Summary of Complaint The complaint claims that Columbia Collection Service was supposed to remove the debts in question from your credit report after judgment against you was set aside in 2015. In addition, you claim that Columbia Collection added two additional collection items to your credit report in 2014, which were not included in the agreement set up between you, your wife and Columbia. Summary of Findings A small claims suit was filed against both you and [redacted], and you both were jointly responsible for the debts listed on the claim. A judgment was entered against both of you on 3/29/2016. [redacted] set aside the judgment against you only to allow a mediation. The judgment remained in place for [redacted] while a mediation was scheduled for you. During the mediation on 12/2014 you set up a payment plan to pay off the debts, and both you and [redacted] successfully paid in full that claim (case number: [redacted]). Our office received additional debts and filed another claim against [redacted], which has also been successfully paid in full. Your account is currently at a zero balance and has been reported as such to the three major reporting agencies as of 2/6/2017.  Explanation of Closure You and [redacted] were jointly responsible for the debts in question, therefore these debts would not be and have not been deleted. The debts have been reported correctly as paid in full. Our office has and continues to correctly report the balance as zero for all debts in our office at this time for both you and [redacted].  If you would like to discuss this matter further, we welcome you to call our office at 503-594-0446 or 800-807-3476 to speak directly with a Supervisor.

Revdex.com Complaint Complainant: [redacted] Columbia Account # [redacted] Revdex.com Case Number [redacted] -- Thank you for bringing this matter to our attention.  Columbia Collection Service is dedicated to pursuing collections in compliance with all applicable laws.  Your complaint has been logged...

in our Complaint Management System (CMS) and we have conducted a thorough investigation into your concerns. The CMS is an integral part of our compliance program which is designed to detect and correct systemic issues. Summary of Complaint The complaint claims that Columbia Collection Service is incorrectly reporting the amount due. The complaint also claims Columbia Collection Service is charging interest based on the incorrect amount, and continues to make collection attempts even though monthly payments are being made. Summary of Findings Our office has not received notification from our client (the original creditor) of a payment received from you since July of this year, nor have we received any payment in our office. We have reached out to our client and were advised that you have made payments directly to them, rather than to our office. Specifically, we are now aware of four other payments that have been made by you directly to our client ($30 on 8/21/17, 9/19/17, 10/17/17 and 11/11/17). Explanation of Closure Our office is now aware of the payments you have made, and are updating our records to reflect and report the correct amount due. In addition, our office has updated your account so that you will not receive any further phone calls regarding this debt, at your request. If you would like to discuss this matter further, we welcome you to call our office at 503-594-0446 or 800-807-3476 to speak directly with a Supervisor.

Complaint: [redacted]
I am rejecting this response because:Columbia collection agency states the judgement was set aside against me, this judgement is still reporting on my credit report and should be removed. My wife is aware it will remain as satisfied on her report, I am not disputing that, however it must be removed from my report. 
Sincerely,
[redacted]

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution is satisfactory to me.
Sincerely,
[redacted]

Revdex.com Complaint Complainant: [redacted] Columbia Account # [redacted] Revdex.com Case Number [redacted] -- Thank you for bringing this matter to our attention.  Columbia Collection Service is dedicated to pursuing collections in compliance with all applicable laws.  Your complaint has been logged in our Complaint Management System (CMS) and we have conducted a thorough investigation into your concerns. The CMS is an integral part of our compliance program which is designed to detect and correct systemic issues. Summary of Complaint The complaint claims that Columbia Collection Service has not removed the judgment reporting on your credit. Summary of Findings Columbia Collection Service, Inc. does not report judgments to any of the three major credit reporting bureaus. Judgments being reporting on a credit report is between the courts in which the judgment was awarded and the credit bureaus. Explanation of Closure As explained previously, both you and [redacted] were jointly responsible for the debts in question, therefore these debts would not be and have not been deleted as a collection item. They have been correctly reported as paid in full.  If you would like to discuss this matter further, we welcome you to call our office at 503-594-0446 or 800-807-3476 to speak directly with a Supervisor.

Revdex.com:I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution is satisfactory to me. Sincerely, [redacted]

Revdex.com Complaint
Complainant: *. [redacted]
Columbia Account #[redacted]
Revdex.com Case #[redacted]
 
Thank you for bringing this matter to my attention. Upon receipt of this complaint, the Compliance Department completed a thorough review of telephonic recordings and company notes, related to Mr....

[redacted]’s account. 
The debts in question were assigned to our office on 06/22/2015. On 07/06/2015, validation letters were sent to Mr. [redacted] providing him with notification that the debt was in our office, and an opportunity to request validation of the debt. Our office has not received notice that this written communication was mail returned. Our office made typical collection efforts, including phone calls and letters between 7/28/2015 and 10/12/2015.
On 1/18/2016, Mr. [redacted] spoke to a Representative. He stated that he had four collection notices on his credit report that should not be associated with him. Mr. [redacted] advised our office that the children, who were the patients at the time of service for all four debts, were his wife’s children. Mr. [redacted] stated that he would agree to pay off the four debts, if Columbia were to delete them from his credit report. The representative did not agree to this and stated it is against Columbia’s policy to delete items off a consumer’s credit report, rather when debts are paid in full our office reports debts as satisfied. Mr. [redacted] ended the phone call after this was stated. That same day, Mr. [redacted] called in and spoke with the same Representative who provided Mr. [redacted] with the current balance of the account. Mr. [redacted] stated that when he called the original creditor to discuss any outstanding balances, they told him that nothing was owing and all have been paid by insurance. Our Representative agreed to send itemized statements to Mr. [redacted], for his review.
Our office is dedicated to not collecting debts that have been paid to, waived by, or settled with, the original creditor. In this instance, the complainant claims that the original creditor informed him that they did not have any outstanding debts in their office. Columbia has confirmed with the original creditor that the debts in question remain outstanding, and that a discussion took place between them and the complainant regarding the debts being sent to collections on 01/18/2016. The original creditor has no record of informing Mr. [redacted] that there were no outstanding debts in his name.
Many medical providers bill insurance as a courtesy. However, insurance is patient responsibility, in this case it is the responsibility of the parent of the minor children. As such it is the patient’s responsibility to ensure that insurance is billed and billed correctly. Our office is dedicated to ensuring that consumers have the ability to bill their insurance after the debt has been assigned to our office. Our office has rush ordered itemized statements for the debts in question, which will assist Mr. [redacted] with following up on insurance billing.
Columbia is committed to providing consumers with notification of their debt and providing consumers an opportunity to resolve validation issues as well as satisfy the debt. As such our office sends consumer validation letters, which informs consumers that the debt was in our office and provides them with an opportunity to dispute the debt. Additionally, balance letters and telephonic communications occur throughout the collections process. In this case telephone calls and balance letters were placed to the complainant between 7/28/2015 and 10/12/2015.
Columbia is committed to providing consumers with clear, concise and accurate information at all times, and through all methods of communication. Additionally, all of our employees are trained in locating consumer accounts using name, address, social security number or date of birth. In this instance our office was not able to locate the call specified by Mr. [redacted], on which he claims a male Representative stated he was not associated with an account. Our office was able to locate a call between Mr. [redacted] and a male Representative in our office. However, within this call Mr. [redacted] is only asked for his date of birth before the call ends. At the time of service a social security number was not provided to the original creditor. As such, our office does not have record of the complainant’s social security number, and this may have resulted in a Representative not being able to locate Mr. [redacted]’s account. Our office regrets the confusion this may have caused to Mr. [redacted].
Although our office has no legal obligation to provide validation of the debt outside the validation period, Columbia is dedicated to providing consumers with validation of debt when such information is requested. As such, our office rush ordered the itemized statements from the original creditor and sent this documentation to Mr. [redacted] on 01/27/2016.
Columbia is committed to collecting on outstanding debt only and not on previously paid debt. As such our office’s internal policies have checks and balances in place to ensure that no debt is collected twice. Specifically, our office marks all debt as paid in full when they are satisfied and such debts are excluded from any future collection activity. In this instance, where it appears to Mr. [redacted] that our office may have duplicate charges listed on his account, the Compliance Department has confirmed that there is no double billing, and the Itemized Statements that have been sent to him should help clarify that the charges were for two different minor children on the same date of service.
All debt in our office is eligible for credit reporting 180 days after our office has been assigned the debt. Credit reporting occurs every week and includes all debt eligible for credit reporting at that time. Columbia does not delete or remove debt from credit reports in exchange for satisfaction of the debt for reasons enumerated below. Our agreements with the credit reporting agencies and the Fair Credit Reporting Act requires that only information known to be accurate is furnished to credit reporting agencies. Deleting verified debt once said debt is paid would be reporting information known to Columbia to be false and would constitute falsifying consumer credit reports.
At this time, the debt remains outstanding and our office intends to continue with collection activity.